Not counting complete strangers, the last one was a few months ago when I went to the beach and coincidentally met a former co-worker (from around 5 years ago). I always thought that she was a bit of a hippie from the conversations we had when we worked together, and I thought right when I saw her at the beach with her friend. Both of them were topless and very chill. She didn't act surprised at being seen topless and neither of them made any attempt to cover up at all.

After some small talk, they invited me to join them instead of hurrying me away. So I joined them and I thought it was pretty cool that I got to help them with sunscreen lotion. I tried to be cool but they definitely noticed that I had a few boners here and there. Luckily they weren't bothered by it.

When we were packing up and getting dressed, I made sure to get a topless hug before she put on her top.

I have a few stories like this. But as the question was the 'last person' I'll stick to this one for now. Like many before it was a hot tub thing. My wife and i plus 2 close friends. There aren't many secrets between us although nothing has or probably would ever happen. Anyway, after dinner and a lot of wine one night, we decided to get in their hot tub. Boys went first and stripped to underwear then the girls came out In theirs. My wife decided she didn't want to get her bra ruined so took it off and covered up with her hands. Guess she was happy enough as it was reasonably dark. Although you could see enough. Anyway, after a few minutes the other way was getting a little banter because she wasn't topless so eventually she gave in and off came the bra. The girls then complained that we had seen something of them but they hadn't seen us. Being blokes and quite drunk, we wasted no time in throwing our pants out. So now we were naked and the girls not. This time we argued that it was unfair especially as the men were taking it in turns to refill the glasses while the girls stayed in the tub. Thankfully eventually they gave in and we all ended up naked. It was light enough you could just about make out each other under water. After an hour or so the other wife needed the loo. She stood up, covering her modesty and disappeared inside. I got a great view of her arse but not much else. Then on the way back her husband asked for more drinks. She duly obliged and came back carrying four cans of beer. Needless to say she couldn't cover herself any more so I got a great view of everything. After that we persuaded my wife to get the next lot of drinks in so we saw her naked too. By the time we got out, we all just walked in the house naked together and got dried and dressed in front of each other! My only regret is my mates waterproof camera died almost as soon as we got in so other than a couple of underwear shots we got no more pics! Great times though

Last nude I saw
 

The last nude I saw was my nephew's girlfriend. We'd flirted for ages as he treats her badly. We have had sex twice. She's 19 I'm in my forties. 😊

Seems like a tale worth sharing in more detail!

Sauna
 

Just got back from a family weekend away with the wife and kids plus a family friend and her kids, the friend is a divorced mum in her early 30's.

Happily of cottage came with a lovely little wood fired sauna which meant the adults could have a relaxing evening after a day of entertaining the kids. It also meant I was hopeful of seeing some new female flesh, and a very attractive female at that. (Short, fitness instructor but curvy with it.)

Now to the main event, disappointingly the ladies decided to go with towels, happily with nothing beneath. Even more happily as time went one the towels were at least lowered and I got to spend a a good hour with two fine pairs of tits, my wife's large F cups and our friends i would guess B/Cs with large areola, very nice. To round the night off I also got a lovely view of an incredibly well toned ass.

I have been in the sauna at different times with my wife's sister and also my brother's wife! It's not such a big thing here.

Ibiza
 

I used to coach badminton classes a few years back.
I was on holiday with my wife walking along the beach. A young fit woman ran up to us, tits jiggling as she ran,calling my name.
It was one of my pupils from back in England wanting to say hello. My wife wasn't impressed-but I was!

30yrs ago skinny dipping
my sex life blows

Went to the nude beach a few days ago with my wife and another couple.

Was there for about 5 hours........saw his wife totally nude, he saw mine plus quite a few other women ! :D

But we are nude together quite a few times a year from, beach, boating, swimming, hot tub.

couple of years back, a friend showed me her pussy... was a 'you show me yours, i'll show you mine' deal